Between 2014 and 2019, Credit One Bank and its affiliates allegedly made thousands of unsolicited robocalls to consumers—calls that, in many cases, were placed without prior consent. These actions sparked a class-action lawsuit citing violations of the Telephone Consumer Protection Act (TCPA). Now, the bank has agreed to a $14 million settlement, offering financial compensation to eligible individuals who received these calls.
If you’ve ever been hounded by Credit One—whether you were a customer or not—this could be your chance to get paid.
What’s the Case About?
The lawsuit claims that Credit One used automated dialing systems and prerecorded voice messages to contact people for purposes like marketing, debt collection, or informational updates. Many recipients never gave the required express consent, as mandated by federal law.
Even worse, many people targeted weren’t Credit One customers at all. Wrong numbers and outdated data meant that countless individuals received repeated, harassing calls. Some reported daily disruptions, aggressive phone reps, or fraudulent account activity linked to the bank.
Settlement Basics: How Much and Who Qualifies?
The $14 million settlement fund will be used to cover:
- Payments to eligible claimants
- Legal fees and administrative costs
- Settlement administration and court-approved expenses
Here’s what we know about eligibility:
| Eligibility Criteria | Details |
|---|---|
| Timeframe | Received robocalls between 2014–2019 |
| Consent status | Did not give permission to be contacted |
| Relationship with Credit One | You do not need to be a customer |
Even if you weren’t a customer—or had your identity stolen and Credit One called you anyway—you may still qualify.
How Much Will You Get?
Payouts will depend on how many people submit valid claims. Here’s the general breakdown:
| Claim Strength | Potential Payout |
|---|---|
| No documentation | Likely lower amount |
| Phone logs / call proof | Higher payout possible |
You don’t need documentation to file a claim, but if you can provide call records, credit reports, or evidence of harassment, you may receive a larger share.
In similar TCPA cases, payments have ranged from $20 to several hundred dollars per person, depending on claim volume.
When Can You File a Claim?
The claims process has not opened yet, as the court must first grant final approval of the settlement. Once that happens, a dedicated settlement website will go live with:
- Claim submission form
- FAQs and eligibility checker
- Contact info for help and questions
What You’ll Need to Prepare:
- Your name and contact info
- The phone number that received robocalls
- Optional: Proof of calls (logs, statements, screenshots)
- Payment method (check, PayPal, Venmo, direct deposit)
If your number was reassigned during the covered period, the administrator may request verification of phone ownership for that time.
What If You’re Still Getting Calls?
Many people report still receiving calls from Credit One—even as recently as June 2025. While this settlement covers calls from 2014 to 2019, continued robocalling practices may result in new lawsuits or additional legal action. If the calls continue, consider:
- Blocking their numbers
- Filing a complaint with the FTC at https://reportfraud.ftc.gov
- Talking to a TCPA attorney if you believe your rights are being violated
What Happens Next?
Once the court gives final approval, the settlement site will launch, and claimants will receive notifications via email or mail. After the claim period closes, payments typically take several months to process.
Stay updated by watching for news or checking the upcoming official Credit One robocall settlement website when it becomes available.
FAQs
When will the claim form be available?
The claim form will go live after the court grants final approval of the settlement—expected sometime in mid to late 2025.
Do I need to be a Credit One customer to qualify?
No. Many people who weren’t customers still received illegal robocalls.
Can I still file if I no longer have the phone number?
Yes, but you may need to verify that the number belonged to you between 2014–2019.
How will I receive payment?
You can choose a mailed check, direct deposit, or digital payment platform like PayPal or Venmo.
